themselves, i think, are forget about how great this country is. other people know around the world how great we are and that's why they still, you know, jump on life rafts to get here. stuart: charles, thank you. back to nicole, a winner, and i don't know who it is. tell us and why is it a winner? >> well, we're looking at discover financial, the credit card company is a winner, a top performer in the s&p 500 today. a couple of things, to your point, i know you guys were talking about uncertainty and a tough economy, whether people are hiring. that's something that the credit card stores really saw during the financial crisis. people aren't spending as much, obviously, didn't have the confidence as the job picture has improved slightly. we've seen confidence improving and customers are spending more. not only are they spending more, but also, there are more transactions and fewer customers are actually defaulting on what they borrowed. and that's the big picture and that's why discover beat the street with quarterly numbers and up arrows, last spot. pay pal. they signed a deal with pay pal and we'll see that.